by Jill Sullivan | Sep 24, 2025 | Foreclosure, Litigation, Loss Mitigation
Homeowners associations (HOAs) play a central role in maintaining common interest communities across California. When homeowners fail to pay assessments, HOAs have the authority to place liens on properties and enforce them through foreclosure. While creditors are...
by Jill Sullivan | Sep 22, 2025 | Bankruptcy
Bankruptcy law creates a structured process that aims to balance the interests of debtors who seek a fresh start with those of creditors who are entitled to repayment. Within this framework, one of the most powerful tools available to creditors in Chapter 7 consumer...
by Jill Sullivan | Sep 15, 2025 | Bankruptcy, Litigation
When a debtor files for bankruptcy, a new legal entity called the bankruptcy estate is created. For creditors, this estate is at the center of the entire process. It determines what assets are available for repayment, how claims will be treated, and ultimately how...
by Jill Sullivan | Sep 10, 2025 | Bankruptcy, Litigation
When a borrower defaults on a loan, creditors are often faced with critical decisions about how to proceed. Among the most common issues are whether the borrower should reinstate the loan or pay it off in full. Both options have distinct consequences, timelines, and...
by Jill Sullivan | Sep 5, 2025 | Loss Mitigation
Loss mitigation proposals play an important role in modern bankruptcy and foreclosure proceedings. For creditors, these proposals represent both risk and opportunity. The borrower may offer loan modifications, forbearance plans, repayment agreements, or even short...
by Jill Sullivan | Aug 26, 2025 | Loss Mitigation
Auto loans are among the most common forms of consumer credit, and vehicles are often the largest secured asset that individuals own outside of real estate. For lenders, protecting that collateral is crucial. When borrowers default, repossession is the primary method...
by Jill Sullivan | Aug 25, 2025 | Litigation, Loss Mitigation
Replevin is a legal process that allows a secured creditor to recover personal property when another party wrongfully withholds it. For auto lenders, replevin is a powerful tool when borrowers default and self-help repossession is not an option. One of the most common...
by Jill Sullivan | Aug 18, 2025 | Bankruptcy, Litigation, Real Estate
Real estate investment trusts, or REITs, are popular vehicles for pooling investor capital into income-producing real estate. They provide opportunities for regular income and portfolio diversification while benefiting from tax advantages. Despite their reputation for...
by Jill Sullivan | Aug 11, 2025 | Bankruptcy, Compliance, Legislation
California has long held the reputation of being one of the most consumer-friendly jurisdictions in the country, especially when it comes to debt collection. At the heart of that framework is the Rosenthal Fair Debt Collection Practices Act (RFDCPA), California’s...
by Jill Sullivan | Aug 2, 2025 | Compliance, Foreclosure, Litigation, Loss Mitigation
Mortgage relief programs have become a permanent part of the housing finance system. While originally introduced as emergency measures, many of these initiatives are now embedded in standard servicing guidelines and state-level protections. For creditors, this...
